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A mission in a high-risk area exposes an organization to dangers that standard insurance policies almost always exclude: acts of war, terrorism, kidnapping, civil unrest, or emergency evacuation. Geodesk, an insurance broker that has specialized exclusively in international business for 30 years, designs customized coverage to protect your employees, executives, and operations in the most sensitive environments—including war zones—across more than 150 countries.
A high-risk area is a site where every clause matters: Geodesk understands the reality of the situation.
Coverage in high-risk areas depends on the specifics: the same country may be insurable in its capital but excluded in certain provinces. Geodesk assesses the actual risk of each assignment before offering any coverage.
A country can be classified as a “red zone” in a matter of days. The Geodesk team constantly monitors geopolitical developments to adjust your coverage before the risk materializes.
Acts of war, terrorism, kidnapping, political evacuation: Geodesk negotiates coverage extensions that standard contracts automatically exclude, ensuring that no critical situation leaves your teams unprotected.
In the event of an emergency in the field, you'll reach someone who is familiar with your case, not an anonymous operator. Geodesk's partner assistance companies are available 24 hours a day, 7 days a week, 365 days a year.
L'assurance déplacement professionnel couvre les collaborateurs lors de missions ponctuelles à l'étranger : frais médicaux, assistance, responsabilité civile et interruption de mission. Sa limite la plus fréquente tient à la durée : au-delà d'un certain nombre de jours, ou en cas de séjours répétés, la garantie peut cesser de s'appliquer sans que l'employeur en soit informé.
Geodesk vérifie la cohérence entre la fréquence réelle des déplacements et les plafonds du contrat, notamment pour les profils qui enchaînent les missions courtes sur plusieurs continents. Un même collaborateur peut être parfaitement couvert sur un voyage isolé et se retrouver hors garantie sur le suivant.
La couverture intègre aussi les pays de transit, et pas seulement la destination finale — un point souvent négligé qui crée des vides de garantie lors des escales ou des trajets terrestres entre deux pays.
L'assurance expatriation s'adresse aux collaborateurs installés durablement à l'étranger, dont la couverture sociale française cesse généralement de produire ses effets. Elle reconstitue une protection santé, prévoyance et responsabilité civile équivalente, adaptée au pays de résidence.
Geodesk articule cette couverture avec le statut réel de l'expatrié, détaché ou expatrié au sens de la Sécurité sociale, car ce statut détermine les droits maintenus en France et ce qui doit être souscrit localement. Une confusion sur ce point laisse des angles morts coûteux.
La protection s'étend aux conjoints et enfants accompagnants, dont la couverture est trop souvent traitée comme accessoire alors qu'elle représente une part majeure du risque réel d'une famille expatriée.
L'assurance santé internationale prend en charge les frais médicaux engagés hors de France, là où la carte européenne d'assurance maladie et la Sécurité sociale n'offrent qu'une couverture partielle, voire nulle. Elle devient indispensable dès qu'une mission ou une installation dépasse le cadre d'un court séjour touristique.
Geodesk vérifie que les plafonds couvrent le coût réel des soins dans le pays concerné : une hospitalisation aux États-Unis peut atteindre des montants sans commune mesure avec les barèmes français. Les sous-plafonds de soins intensifs et de réanimation, souvent passés sous silence, font l'objet d'une attention particulière.
Le contrat doit préciser le mode de prise en charge : tiers payant ou avance de frais, ainsi que les franchises et délais de carence, qui déterminent ce que l'assuré devra réellement débourser au moment où il en a besoin.
La prévoyance internationale protège le collaborateur et sa famille en cas d'événement grave : décès, invalidité, incapacité de travail. Elle prend le relais lorsque la prévoyance française ne s'applique plus du fait de l'expatriation ou de la durée de la mission.
Geodesk calibre les capitaux et les rentes en fonction de la situation familiale et du niveau de revenu, plutôt que d'appliquer des forfaits standards qui sous-protègent les profils à charges élevées.
La cohérence entre prévoyance, santé et assurance accident est vérifiée pour éviter aussi bien les doublons inutiles que les zones non couvertes : un équilibre que seuls une analyse globale et un contrat sur-mesure permettent d'atteindre.
L'assistance et le rapatriement constituent le volet opérationnel de la protection à l'international : organisation des soins, transport médicalisé, rapatriement sanitaire et, en cas de décès, rapatriement de corps. C'est la garantie qui se déclenche dans l'urgence, quand chaque heure compte.
Geodesk évalue la réactivité réelle de la plateforme d'assistance selon les pays et les décalages horaires : présence de médecins, langues parlées, délais de prise en charge. Une assistance disponible 24/24, 7/7 et 365 jours par an n'a de valeur que si elle agit vite sur le terrain.
La garantie doit aussi prévoir le retour anticipé pour raison familiale grave et la prise en charge des proches sur place : des situations fréquentes que les contrats les plus basiques laissent de côté.
L'assurance accident individuelle verse un capital ou une rente en cas d'accident corporel entraînant décès ou invalidité, indépendamment de tout lien avec l'activité professionnelle. Elle complète la prévoyance en couvrant les conséquences durables d'un accident.
Geodesk adapte les garanties au profil et à l'environnement de mission : un collaborateur exposé à des trajets routiers fréquents ou à des conditions difficiles ne présente pas le même risque qu'un poste sédentaire, et son contrat ne devrait pas être identique.
L'étendue géographique de la garantie est vérifiée avec soin, car certaines polices excluent par défaut des régions entières : une exclusion qui passe inaperçue jusqu'au sinistre.
La garantie retour anticipé prend en charge le rapatriement non médical d'un collaborateur lorsqu'un événement impose son retour immédiat : décès ou hospitalisation d'un proche, sinistre majeur à son domicile, ou tout motif familial grave. Elle évite à l'assuré d'assumer seul des frais de transport élevés et de dernière minute.
Geodesk précise les motifs réellement couverts, car la formulation varie fortement d'un contrat à l'autre et conditionne le déclenchement de la garantie. Un motif jugé légitime par l'assuré peut ne pas l'être au sens du contrat.
Cette garantie se coordonne avec l'assistance et le rapatriement pour assurer une continuité de prise en charge, du déclenchement de l'événement jusqu'au retour effectif de la personne.
Geodesk is an insurance broker that has been 100% focused on the international market for 30 years. This exclusive specialization makes all the difference in high-risk areas: where a general insurer applies standard exclusions, Geodesk negotiates customized coverage extensions through a network of partners in more than 150 countries. Each extension is tailored to your organization’s specific situation.
Geodesk’s reliability is based on recognized expertise—as demonstrated, in particular, by its publications with the CDSE (Cercle des Directions de la Sécurité des Entreprises)—and on a personal, face-to-face relationship, from the initial contact through to claims management. In sensitive areas, knowing that an identifiable person will respond in an emergency is not just a comfort—it is an operational guarantee.
Pain Without Borders
Pain Without Borders
Pain Without Borders has been using Geodesk's services for several years. Geodesk regularly provides us with insurance solutions tailored to our experts' missions in our various areas of operation, particularly in Ukraine, Ivory Coast, and Mozambique. Communication is always smooth, quick, and efficient, and we are fully satisfied with our collaboration and the availability of our account managers. "
URD Group
A. Lefevre
HR Director
“The travel of Better with Water employees is essential to the success of our field missions. Having a reliable insurance partner allows us to support them with peace of mind, wherever they are working. The quality of the support, the responsiveness of the teams, and the coverage tailored to our needs are a real asset for our organization and for the safety of our employees.”
GERES
X.ARNOULT
HR Director
“For several years, Geodesk and IECD have been developing a structured partnership to benefit the social protection of employees on international assignments. Present in 18 countries, IECD works to promote access to education, employment, and entrepreneurship. Geodesk's support helps to secure these initiatives in sometimes complex or fragile environments, particularly in Lebanon and Madagascar. This long-term partnership is based on a strong and shared relationship of trust between IECD and Geodesk, serving their common commitments on the ground.”
Reporters Without Borders
“RSF has been working with Geodesk for several years. We particularly appreciate the quality of their personalized support. Their teams are always responsive, available, and attentive to our needs. We appreciate their follow-up and always enjoy communicating with them.”
The Alexandre Dumas French Lycée in Moscow
Jean-Paul SCHÜTZ
Principal
“The Lycée Français Alexandre Dumas in Moscow , a school directly managed by the AEFE (Agency for French Education Abroad), places the safety and well-being of its students at the heart of its priorities. This is why we attach paramount importance to the quality of the school insurance we have purchased from CGEA GEODESK. Our school welcomes over 660 students, from preschool to the final year of high school, from numerous nationalities and spread across three separate campuses. In such a demanding international environment, we need a reliable partner. CGEA GEODESK fully meets this requirement. The “INTERNATIONAL STUDENT SCHOOL INSURANCE” coverage protects our students during school hours, on educational outings, and during all extracurricular activities organized by the school, thus providing continuous protection tailored to our daily lives.”
CartONG
L. Cailloce
Administrative and Logistics Officer
“Your speed and responsiveness ensure that we always receive our insurance certificates on time for our employees working in the field, even when we notify you relatively late. This is something we greatly appreciate, and it’s a relief to know that we can count on you in this regard.”
Geodesk conducts a comprehensive audit of your projects, your service areas, and your existing contracts to accurately identify your exposures and coverage gaps.
Each policy is negotiated and tailored to your specific needs—including war, K&R, evacuation, and D&O coverage—to align with the realities of your missions, without unnecessary clauses or blind spots.
Geodesk sets up the contract, briefs your HR teams on emergency procedures, and activates the on-site assistance system in the relevant countries.
A dedicated representative monitors the situation, adjusts coverage in response to geopolitical developments, and oversees crisis management 24 hours a day, 7 days a week, in the event of a loss.
Analysis of Your Needs
Geodesk conducts a comprehensive audit of your projects, service areas, and existing contracts to precisely identify your risks and gaps in insurance coverage. Geodesk then takes charge of your case.
Solution Architecture
Each policy is negotiated and tailored to your specific needs—including war, K&R, evacuation, and D&O coverage—to align with the realities of your missions, without unnecessary clauses or blind spots.
Deployment
Geodesk sets up the contract, briefs your HR teams on emergency procedures, and activates the on-site assistance system in the relevant countries.
Follow-up & Support
A dedicated representative monitors the situation, adjusts coverage in response to geopolitical developments, and oversees crisis management 24 hours a day, 7 days a week, in the event of a loss.
No. Virtually all travel and health insurance policies for the general public contain a war and terrorism exclusion clause: claims arising from such events are not covered. Only specific coverage, with negotiated extensions, truly protects a person in a conflict zone. This is the purpose of the policies designed by Geodesk.
A change in a country’s classification—such as being designated as a red or orange zone by the authorities—may suspend or invalidate certain guarantees if the contract does not provide for such a scenario. Geodesk incorporates this evolving risk from the outset of contract design and remains vigilant to adjust coverage before any gap in coverage arises.
Kidnapping & Ransom Insurance is not limited to the reimbursement of a ransom: above all, it covers the costs of specialized negotiators, crisis management, medical and psychological expenses, and business interruption. The confidentiality of the policy is a condition of its validity, which requires rigorous structuring.
Often not, in standard contracts. Non-employee profiles—consultants, service providers, drivers, fixers, local staff—as well as accompanying spouses and children are frequently overlooked. Geodesk systematically verifies the consistency between each profile and the associated contract to eliminate these blind spots.
Medical repatriation addresses a medical issue; security evacuation addresses a sudden deterioration in security (conflict, coup d’état, disaster, threat). These are two distinct safeguards, with different triggers and service providers. A mission in a sensitive area requires both, which Geodesk verifies before any deployment.
Yes. The employer’s duty of care also applies to international travel, and ISO 31000 sets out the framework for this. In some countries, the law also requires specific local insurance coverage for foreign employees. Failure to provide adequate coverage may result in liability for the company and its executives in the event of a claim.
